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Standard Chartered Smart Credit Card

Earn and save on your everyday spending. All you need is ONE card – get the whole family to apply now!

Year-round Offer

3-month 0% Interest Instalment

Stress-free spending, split your credit card bills with 3-month interest-free instalment

Massive 5% Rebate

On designated everyday merchants. No registration, no minimum spending, available every day*.

Fees, Goodbye!

No foreign exchange fees, no annual fees, no cash advance fees. Ever.

Welcome offer

From 1 October 2021 to 30 December 2021, New Cardholders² who submit the application and fulfil below requirements within the first 4 months from the date of card issuance can enjoy up to HKD2,000 CashBack:

Plant, Fruit, Food

Up to HKD2,000 CashBack³ on Eligible Transactions⁴

• First HKD4,000 accumulated eligible transactions within the first 2 months from the date of card issuance can enjoy HKD1,000 CashBack³

• Upon HKD4,000 accumulated Eligible Transactions can enjoy 2.5% CashBack³ within the first 4 months from the date of card issuance, subject to a maximum of HKD1,000 CashBack

Limited offer of 8% CashBack on spending at HKTVmall

    From now until 31 December 2021, earn 8% CashBack when you shop at HKTVmall with your Smart Card. No registration or minimum spending required. The maximum spending amount of transactions qualified for 8% CashBack is HKD10,000 per card account within the promotion period.

    Learn More

A massive 5% CashBack*, earn and save on your everyday spending

    Say goodbye to complicated cashback deals of most credit cards. With the Smart Card, you can enjoy a massive 5% CashBack when you shop at DON DON DONKI, 759 STORE, Watsons, Circle K Convenience Store, foodpanda, PARKnSHOP and its designated retail stores, with no minimum spending requirement.

    Learn More

3-month Interest-free Instalment for UNLIMITED number of purchases

    Enjoy shopping with easy repayments! In just a few clicks, you can split your credit card bills in 3 months, through instalments with no interest and no handling fees, for retail spending over HK$500 or above.

    Example:
    Card spending: $9,000
    Instalment Tenor: 3 months
    Monthly repayment = $9,000/3 = $3,000
    Total repayment amount = $9,000

    Note: The Bank will deduct HKD1 CashBack on the 360° Rewards Redemption Platform for every HKD180 instalment amount applied. Example: For an instalment amount of HKD9,000, the Bank will deduct HKD50 CashBack.^

    If you select tenor of 6 months or above, the handling fee is as low as 0.15%. Click to learn more for our Statement Instalment Plan.

Credit Card Promotions & Services

Pay bills and make transfers without fees

Skip the fees. Now you can pay your rent, education expenses, car park fees and even your family and friends with your credit card without handling fees!

 

Instant cash from your credit card

Extra cash is just one click away! Enjoy the exciting experience of instant approval in 30 seconds and instant disbursement via FPS with the Smart Card!

 

360° Rewards Redemption Platform

360° Rewards Redemption Platform now serve with refresh outlook enable you to redeem rewards with your earned Points and CashBack

 

Eligibility

  • Hong Kong resident aged 18 or above
  • Annual income of HKD96,000 or above

Documents

    • Your Hong Kong Identity Card
    • Your latest residential address proof showing your name
  • For regular income earners, please enclose your latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries
  • For irregular income earners, please enclose your latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing your name, account number and salary entries
  • For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note

    Note: The bank reserves the rights of requiring more supportive documents for further review.

Smart Card 3-month Interest-free Instalment Remarks

^For spending amounts that are not eligible to earn CashBack (e.g. bill payment transactions made through Standard Chartered Online Banking), the Bank will also deduct HKD1 CashBack for every HKD180 instalment amount applied. Where there is insufficient CashBack balance on the 360° Rewards Redemption Platform for deduction, a negative balance will be displayed.

Note
Smart Card Welcome Offer
  1. Welcome Offer is from 1 October 2021 to 30 December 2021.
  2. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
  3. CashBack rewarded under 2.5% CashBack offer includes the CashBack earned from the prevailing Standard Chartered Smart Credit Card Rewards Scheme.
  4. “Eligible Transactions” means retail transactions (including online transactions) but does NOT include the following: any transfer/top up transaction from the Card account to any account as designated by the Bank from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking, transactions made at merchants in the gambling and betting, security brokers or dealers according to the merchant codes issued by Visa International from time-to-time, etc. For details, please refer to the terms and conditions.
  5. For the terms and conditions of the welcome offer, please click here.
Smart Card HKTVmall Offer
  1. The promotion period is valid from 3 September 2021 to 31 December 2021 (both dates inclusive) for HKTVmall (the “Promotion Period“).
  2. The Promotion is only applicable to cardholders (“Cardholders”, including both the principal and supplementary cardholders) of Standard Chartered Smart Credit Card (the “Eligible Card”) issued by Standard Chartered Bank (Hong Kong) Limited (the “Bank”).
  3. To be eligible for the Promotion and enjoy 8% CashBack, Cardholders are required to make a purchase at HKTVmall physical stores or online shop (hktvmall.com) (the “Merchant“) with the Eligible Card (the “Eligible Transaction“), and only single net spending amount after instant discount (if applicable) will be calculated. Eligible Transactions do NOT include any unposted, cancelled, refunded, falsified or unauthorised transactions. CashBack is based on the net spending amount in integer and net spending amount of less than HKD1 will not be calculated. Each Eligible Card account may only be entitled to a maximum of HKD800 CashBack during the entire Promotion Period upon fulfilment of the relevant requirements.
  4. No registration or minimum spending is required for the Promotion.
  5. The Promotion is applicable to Merchants’ outlets in Hong Kong SAR only. Where Eligible Transactions are made using digital wallets, they will be eligible for the Promotion only if the Merchant’s name is reflected on the credit card monthly statement as part of the transaction description.
  6. To be eligible for the Promotion, all Eligible Transactions must be completed and posted on or before 7 January 2022 based on the transaction dates as shown on the credit card monthly statement.
  7. The CashBack earned will be shown on the 360° Rewards Redemption Platform after the relevant Eligible Transaction is posted, and will not be automatically credited to the Eligible Card account, but can be freely redeemed for CashBack under the online catalogue of the platform. The CashBack will be given in Hong Kong dollars and the minimum threshold for CashBack redemption per Eligible Card account is HKD50 per account redemption. For details, please refer to the section named “CashBack Redemption” under the Terms and Conditions for Points Redemption.
  8. CashBack will be calculated by rounding down to the nearest 1 cent.
  9. Eligible Transactions conducted by principal and all supplementary cards (if any) under the same Eligible Card account will be counted collectively in calculating the CashBack.
  10. CashBack is non-transferable.
  11. Cardholders shall notify the Bank if they do not receive the CashBack by 31 March 2022. Otherwise, the Bank accepts no liability and will not be liable for any compensation.
  12. In the event that any CashBack has been used or credited into Cardholders’ Eligible Card account but the transaction(s) that form(s) part or all of the Eligible Transaction(s) is cancelled or refunded subsequently, the Bank has the right to charge to the Eligible Card account a monetary amount equivalent to the value of the CashBack used or credited without prior notice to the Cardholders.
  13. If the Eligible Card account is voluntarily or involuntarily closed, all CashBack (whether credited to the Eligible Card account or not) will be immediately forfeited.
  14. The Bank reserves the right not to award any CashBack if the Eligible Card account is invalid or not in good financial standing, or if the Cardholders have failed to pay any minimum payment due on or before the due date specified in the relevant monthly statement in the preceding 12 months.
  15. The Promotion shall be terminated immediately upon closure of the Merchant.
  16. Cardholders understand and accept that the Bank is not the supplier of the products and/or services supplied by the Merchant under or in connection with the Promotion. The Bank shall bear no liability relating to any aspect of the products and/or services, including without limitation, their quality, the supply, the descriptions of products and/or services provided by the Merchant, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Promotion or in making available the products and/or services under the Promotion, by the Merchant, its employees, officers or agents.
  17. Personal data of Cardholders may be collected by the Merchant and the use of such personal data shall be subject to the personal information collection statement of the Merchant. Please contact the Merchant for related details.
  18. The Bank reserves the right to alter or terminate the Promotion and amend the terms and conditions herein at any time without prior notice. In case of disputes, the decision of the Bank shall be final and binding.
  19. In case of any disputes, Cardholders are required to present the relevant original sales receipts and credit card sales slips for further investigation by the Bank.
  20. These terms and conditions should be read together with the Terms and Conditions of 3-month unlimited Interest-free Instalment Plan for Standard Chartered Smart Credit Card, the Client Terms and the applicable documents referred to in part A of the Client Terms including the Credit Card Terms and the Terms and Conditions for Points Redemption that form the banking agreement between the Bank and the Cardholders.
  21. These terms and conditions shall be governed in accordance with the laws of the Hong Kong SAR and the Cardholders irrevocably submit to the non-exclusive jurisdiction of the competent court of the Hong Kong SAR.
  22. If there is any inconsistency or conflict between English and Chinese versions of these terms and conditions, the English version shall prevail.
*Smart Card Features

Ⓐ Promotion period: From the date of card issuance to 31 December 2021

Ⓑ Upon successfully signing up for and issued with a Standard Chartered Smart Credit Card, the Bank will rebate a certain percentage of the amount of the Eligible Transactions in the form of CashBack reward (“CashBack”) to the Card account as shown in the list below.

Ⓒ Eligible Transactions made at below merchants can earn HKD1 CashBack for every HKD20 spent (5% Cashback Percentage)

  • DON DON DONKI
  • 759 STORE
  • Watsons
  • Circle K Convenience Store
  • foodpanda
  • PARKnSHOP and its designated retail stores (FUSION, TASTE, INTERNATIONAL, food le parc, GOURMET, GREAT FOOD HALL, SU-PA-DE-PA (applicable to Supermarket section only), EXPRESS and PARKnSHOP Frozen Food Stores outlets).

Ⓓ Other eligible transactions can earn HKD1 CashBack for every HKD180 spent (0.56% Cashback Percentage)

Ⓔ The maximum spending amount of Eligible Transactions that are made at Designated Merchants and qualified for the 5% CashBack Percentage is HKD60,000 per Card account within the promotion period. Any amount in excess will be counted as Other Eligible Transactions.

Ⓕ For more details, please refer to Standard Chartered Smart Credit Card Rewards Scheme Terms and Conditions.

To borrow or not to borrow? Borrow only if you can repay!